Q3 FY 23 Investor Presentation
11
Risk and Data Science Backed Centralized Underwriting
A
Risk Management
⚫ 25+ key data
points are collected
for Customer
Profile Analysis
Stage-wise
disbursement
through technical
visits
Multiple touch
points to ensure
thorough
verification in
underwriting
process
Tech-
Intervention
• Tech enabled
evaluation of
customers
• Integration of credit
score card with
lending application
for easier credit
evaluation
• Analyzing profiles
behaviour for
continuous
improvement of
parameters through
machine learning
for Better & Faster
credit decisioning
Centralized
Processing
Consistency in
underwriting with
expertise in state-
wise analysis along
with linguistic skills
• Effective training
,knowledge sharing
and monitoring
process
• Quick adoption to
process change
Loans approved
within 72 hrs
> 90 %
Q3 FY 23 Investor Presentation
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